At present, the provident fund only recognizes houses, but does not recognize loan records. If there is no room in the name and the deposit amount is sufficient, you can borrow 1.2 million;

However, there are the following precautions:

1: Whether to continue to pay the provident fund now, it will be postponed for 12 months from now.

2. Is the deposit enough? Single-person loan is 6,543,800 yuan+0.2 million yuan. According to the calculation of 30 years, individuals need to pay 772 yuan more.

For husband and wife, the sum of their deposits needs to be no less than 965,438+06 yuan to get a loan of 654,38+02,000 yuan.

3. In addition to the calculation method, the national provident fund should also refer to the balance in your provident fund card and the working years of the unit to define your loan amount.

According to the above situation, I suggest you tell me your specific situation and I'll help you calculate it.